Last updated: April 2025

1. General Use

By using this website, you agree to these Terms & Conditions. This website is operated by Ashish Financial Services (“AFS”).

2. Financial Disclaimer

The content on this website is for educational and informational purposes only. Nothing on this website constitutes investment advice, a solicitation, or a recommendation to buy, sell, or hold any security or financial product.

AFS acts as a distributor and not as an investment advisor under SEBI (Investment Advisers) Regulations, 2013.

Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

3. MFD Regulatory Statement

AFS is an AMFI Registered Mutual Fund Distributor (ARN: 311127). AFS earns commission from AMCs for distributing mutual fund products. Commission disclosure is available on request and on the AMFI website.

4. Insurance Disclaimer

AFS facilitates insurance as an IRDAI POSP partner (POSP ID: IP240588) via PolicyBazaar. Insurance is the subject matter of solicitation.

5. Loan Facilitation Disclaimer

AFS facilitates loans against securities via a verified lending partner. AFS is not a lender. Loan terms, interest rates, and eligibility are determined by the lending partner. AFS earns a referral fee for successful loan facilitations.

6. Affiliate Disclosure

AFS participates in the Amazon Associates Programme. Pages on this website marked with affiliate disclosure contain links for which AFS earns a commission on qualifying purchases. This does not affect the price you pay.

Amazon Associates tracking ID: [TO BE ADDED]

7. Calculator Disclaimer

All calculators on this website are for illustrative and educational purposes only. Results are estimates based on inputs and assumed rates of return. Actual returns will differ. Do not make investment decisions solely on the basis of calculator outputs.

8. Governing Law

These terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Bangalore, Karnataka.

9. Changes

AFS reserves the right to update these terms at any time. Continued use of this website after changes constitutes acceptance.